CASP as a Service — Launch Regulated Crypto in the EU Under a MiCA Licence

CASP as a Service is a B2B arrangement in which a bank or fintech offers crypto-asset services to its own customers under the MiCA authorisation of a licensed Crypto-Asset Service Provider, under its own brand, without holding its own licence.

Not necessarily. You need the services to be provided by an entity authorised under MiCA. That can be your own authorised entity, or an authorised CASP whose services you distribute under a white-label agreement.

The authorised CASP. It remains the regulated provider and stays responsible towards its national competent authority, including for outsourced functions (Article 73 MiCA). You are responsible for your brand, your marketing and the obligations set out in the service agreement.

From about one month for a standard scope: roughly one to two weeks for scoping and contracting, then two to four weeks for integration, compliance setup and testing.

Setup starts at €15,000 depending on scope. Running costs are usage-based: from €1.00 per user onboarded, from €0.30 per monitored crypto transaction, and 0.20%–0.50% of exchange volume tiered by monthly turnover.

Buying a licensed entity gives you the authorisation itself but costs six to seven figures and requires change-of-control approval from the regulator. White-label costs a fraction and launches faster, but the licence stays with the partner.

You can operate in the markets covered by the partner's MiCA passport. A CASP authorised in one member state can passport across the EU by notifying its home regulator, which informs the host authorities. Equilex confirms the exact country coverage during scoping.

Typically custody and wallets, exchange between crypto and fiat, crypto transfers, fiat on/off ramps with virtual IBANs, and stablecoin payment flows. The available set depends on the scope of the partner's authorisation.

Yes — virtual IBANs can be issued per customer, enabling euro deposits and withdrawals alongside crypto balances inside your product.

Yes. Operating history and volume built under a white-label arrangement strengthen a subsequent MiCA CASP application. Equilex handles both the white-label build and the later authorisation.

The MiCA transitional period under Article 143 ended on 1 July 2026 at the latest, and earlier in several member states. National VASP registrations no longer authorise crypto-asset services to EU customers.

Check ESMA's public register of authorised CASPs and confirm that the services you intend to distribute fall within the scope of that authorisation. Equilex performs this check and documents it before contracting.